do you stick by ford if the tax fight continues? >> yes, because beyond the dividend, it's an attractive stock. auto industry as a whole, we think, has still tremendous upside potential since it bottomed out in 2009, it continues to improve. ford, specifically, streamlined down to lincoln and ford models. they have a ways to go yet, but they are really looking to compete head on in the united states with toyota, with the fuel efficient products like fugs, fiesta, taurus, ect.. cheryl: that's right. 3 #% yield hit again on ford. the stock is climbs and climbing back to the debt ceiling debate, in 2012 # coming into 2013 were concerns about consumer spending. government numbers out, retail sales better. does that give you hope? is that why you are bullish at this point for 2013? >> yes. i mean our economy plods along and improves looking at real estate, consumer spending, major purchases such as auto. once again, i make the statement that once washington gets out of the way, we really think that the financial markets based upon where